Retention champions in California this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), and Scott Evans (CrossCountry Mortgage, LLC, NMLS #256163).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $68.8M | 59 | 81.9% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $73.4M | 50 | 86.2% |
| #3 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $32.9M | 44 | 47.8% |
| #4 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $39.3M | 41 | 85.4% |
| #4 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $50.7M | 41 | 82.0% |
| #6 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $23.9M | 37 | 75.5% |
| #6 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $21.0M | 37 | 53.6% |
| #8 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $29.5M | 34 | 69.4% |
| #9 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $48.6M | 33 | 64.7% |
| #10 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $25.5M | 32 | 71.1% |
| #11 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $45.0M | 30 | 68.2% |
| #12 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $32.3M | 29 | 69.0% |
| #12 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $38.9M | 29 | 43.3% |
| #14 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.8M | 28 | 71.8% |
| #14 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $24.5M | 28 | 73.7% |
| #16 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $33.2M | 27 | 87.1% |
| #17 | Bradley L'Engle | 249309 | Guild Mortgage Company LLC | 3274 | Roseville, CA | $14.1M | 26 | 74.3% |
| #17 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $21.3M | 26 | 68.4% |
| #17 | Jason Burt | 267301 | Coast 2 Coast Funding Group, Inc. | 92145 | Lake Forest, CA | $8.8M | 26 | 76.5% |
| #17 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $34.2M | 26 | 89.7% |
| #21 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $25.7M | 25 | 69.4% |
| #21 | Michael Meena | 241370 | Augusta Financial, Inc. | 241911 | Santa Clarita, CA | $12.7M | 25 | 47.2% |
| #23 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $28.9M | 24 | 70.6% |
| #23 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $21.4M | 24 | 64.9% |
| #23 | Gevork Geogdzhyan | 1558129 | CAPITAL CITY INDUSTRIES, INC. | 2121614 | Glendale, CA | $21.2M | 24 | 77.4% |
| #23 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $29.3M | 24 | 82.8% |
| #23 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $29.2M | 24 | 55.8% |
| #28 | Justin Brilman | 1137704 | U.S. Bank National Association | 402761 | Earth City, MO | $26.2M | 23 | 88.5% |
| #28 | Roger Kube | 107621 | Fairway Independent Mortgage Corporation | 2289 | Carlsbad, CA | $18.0M | 23 | 85.2% |
| #28 | Ting Yuan | 424399 | General Mortgage Capital Corporation | 254895 | Irvine, CA | $16.8M | 23 | 74.2% |
| #31 | Hannah Papazian | 1918022 | Vellum Mortgage, Inc. | 1657323 | Walnut Creek, CA | $14.5M | 22 | 59.5% |
| #31 | Julie Aragon | 250691 | THE TURNKEY FOUNDATION INC. | 236669 | Santa Ana, CA | $20.8M | 22 | 71.0% |
| #31 | Shaodan Li | 335515 | U.S. Bank National Association | 402761 | San Diego, CA | $21.4M | 22 | 73.3% |
| #31 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $24.0M | 22 | 75.9% |
| #31 | Sarah Bradley | 853000 | loanDepot.com, LLC | 174457 | Pismo Beach, CA | $10.2M | 22 | 91.7% |
| #31 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $28.2M | 22 | 46.8% |
| #37 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $21.6M | 21 | 70.0% |
| #37 | JIAXIN ZHANG | 1632001 | All Elite Loan, Inc. | 1988481 | Pleasanton, CA | $16.6M | 21 | 87.5% |
| #37 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $20.0M | 21 | 75.0% |
| #37 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $16.6M | 21 | 58.3% |
| #37 | Shelly Logemann | 298957 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $16.2M | 21 | 61.8% |
| #42 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $26.2M | 20 | 60.6% |
| #42 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $19.4M | 20 | 62.5% |
| #42 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $28.6M | 20 | 83.3% |
| #42 | Nhan Cao | 1622468 | FIRST STOP MORTGAGE CORPORATION | 1976060 | San Jose, CA | $15.2M | 20 | 74.1% |
| #42 | John Farrell | 374639 | U.S. Bank National Association | 402761 | Hopkins, MN | $27.3M | 20 | 90.9% |
| #47 | ARTIN FALLAHI | 1688350 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $16.1M | 19 | 73.1% |
| #47 | Li Zhang | 196970 | General Mortgage Capital Corporation | 254895 | Cupertino, CA | $16.4M | 19 | 59.4% |
| #47 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $32.1M | 19 | 54.3% |
| #50 | Krista Watson | 1402351 | Masters Team Mortgage | 265226 | Folsom, CA | $14.0M | 18 | 72.0% |